,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #hjjc  ,,in ,,the ,,house ,,of  
,,representatives  ,august #aa1         
#bjbj,mr4 ,evans 7for himself and ,mr4  
,clay7 introduced the following bill2   
which was referred to the ,committee on 
,financial ,services  ,a ,,bill  ,to    
require the provision of notice to      
homeowners regarding available housing  
relief to respond to the ,,covid-#ai    
pandemic1 and for other purposes4  #a4  
,short title ,this ,act may be cited as 
the ,helping ,home ,owners ,maintain    
,economic ,security ,act of #bjbj or the
 ,helping ,,homes ,act of #bjbj4  #b4   
,notice to homeowners ,section #djbb of 
the ,,cares ,act 7#ae ,u4,s4,c4 #ijef7  
is amended-- 7#a7 by striking ,federally
 backed mortgage loan' each place such  
term appears and inserting covered      
mortgage loan2  7#b7 in subsection 7a7--
 7,a7 by amending paragraph 7#b7 to read
 as follows3  7#b7 ,covered mortgage    
loan ,the term covered mortgage loan    
means any credit transaction that is    

secured by a mortgage1 deed of trust1 or
 other equivalent consensual security   
interest on a #a- to #d-unit dwelling or
 on residential real property that      
includes a #a- to #d-unit dwelling1     
except that it shall not include a      
credit transaction under an open end    
credit plan other than a reverse        
mortgage4  2 and  7,b7 by adding at the 
end the following new paragraph3  7#c7  
,covered period ,with respect to a loan1
 the term covered period means the      
period beginning on the date of         
enactment of this ,act and ending #ab   
months after such date of enactment4  2 
and  7#c7 by adding at the end the      
following new subsection3  7d7 ,notice  
to homeowners of available relief       
,during the period that begins #ij days 
after the date of the enactment of this 
subsection and ends upon the expiration 
of the covered period1 each servicer of 
a covered mortgage loan shall-- 7#a7    
make available in a clear and           
conspicuous manner on their web page    

accurate information for borrowers1 in  
both ,english and ,spanish language1    
regarding the availability of           
forbearance under subsection 7b72  7#b7 
notify each borrower whose payments     
under a covered mortgage loan are or    
become #ca days delinquent in any oral  
communication with or to the borrower   
that the borrower may be eligible to    
request forbearance as provided under   
subsection 7b71 except that such        
notification shall not be required if   
the borrower already has obtained       
forbearance under subsection 7b72 and   
7#c7 provide to any borrower whose      
payments on the covered mortgage loan   
are or become #ca days delinquent1 a    
notification in writing1 in both        
,english and ,spanish language1 not     
later than the #deth day of the         
delinquency of the borrower1 that-- 7,a7
 states that the borrower may be        
eligible for forbearance under this     
section2  7,b7 states that the borrower 
may seek language assistance and general

 help through a housing counseling      
agency certified by the ,department of  
,housing and ,urban ,development2 and   
7,c7 provides information on how to find
 a counseling agency described in       
subparagraph 7,b74  4